Right now I'm running 11/36th gearing. I prefer 11/40th but the rpms go way way high I can feel the engine vibrating left and right in a scary way so the 11/36th keeps the rpms down, the loss of 4 teeth make a difference. My source of sprockets is from people right here on mopedarmy, it's the first thing I ask for when I see people parting out you have to keep your eyes and ears open.
I have in reserves: 40th, 40th, 46th, 46th, 42th (don't remember where I put the 42 but I definitely have it)
I think I'm pretty much done with the 46th sprocket, it gives silly torque but topspeed is reduced by as much as 8-10mph when compared to using the 36th gearing. The 11/36th has good torque, think Tomos, but that is only because I've got a kit on it. With a stock setup get this it took over a MINUTE to hit your max 38mph, not a joke I was pedalling like Lance Armstrong at every stoplight and every stopsign three years ago and one time it even sputtered to a halt as rpm's dropped on a large hill and I had to push it up in front of like 15 people (head held HIGH!) but you get the idea.
For a completely stock setup I'd recommend that you go no lower than 11/40th and to keep your bike as light as possible, no EBR forks and no heavy duty shocks.